Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$263,518Cash toward the purchase price.
Closing costs + prepaids$15,054Not just lender fees.
Before credits & paid funds$278,572The complete starting cash picture.
Estimated remaining funds due at closing
$278,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,517.97
Your down payment$263,517.97
Closing costs + prepaids$15,054.34
Total buyer cash needed$278,572.31
Remaining funds due$278,572.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,149.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,287.50
Initial HOA (3 months)$1,632.00
Prepaid interest, first (25 days)$509.85
Fees + prepaids$15,054.34
Your down payment is the seller’s equity. You take over the $251,481 balance, so the rest of the $514,999 price is paid at closing. A second mortgage can cover part of it. $278,572.31 is due at closing. Uses and sources reconcile at $530,053.34 each. Not a Closing Disclosure.